Per request made in a branch or by telephone to stop payment of an item

$25

Per request made online to stop payment on a check

Excess Transaction Fee

$1

Excess Withdrawal Fee will be charged for each check or in-branch withdrawal1 processed over the monthly limit of 5.

$4

Excess Branch Deposits Fee will be charged for each in-branch deposit over the monthly limit of 2

Branch Cash Deposit Fees

$0.003

$5,000 in cash processing per month at no charge. A charge of $0.003 will apply for each dollar deposited above the $5,000 monthly cash processing limit. For example, if you deposit $1,000 more than your monthly limit, you will be charged a $3.00 Branch Cash Deposit Fee.

Paper Statement Fee

$3

Per statement cycle to receive monthly statements by mail. These statements will not include images of cancelled checks. You can avoid the Paper Statement Fee by turning off paper statements and receiving your account statements electronically through Online Banking. Online Banking customers will automatically receive PDF copies of their monthly statements, and can view images of cancelled checks, through Online Banking at no additional charge.

Image Statement Fee

$5

Per statement cycle for statements that include images of cancelled checks.

Other Service Fees

Please consult your Miscellaneous Fee Schedule for a list of additional service fees.

Overdraft Fees

Overdraft Fees

NSF - Returned Item

$38

Per returned item presented against insufficient funds

Deposited Item Returned Fee

$12

For each item that you deposit or cash that is rejected by the payor bank ($25 for foreign items)

NSF Charge - Paid Item Fee

$38*

Per overdraft item covered by the bank

*NSF Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

Extended Overdraft Service Charge

$25

Charged when your account remains overdrawn by more than $1.00 for ten (10) consecutive calendar days. An additional $25 Extended Overdraft Service Charge will be charged if your account remains overdrawn by more than $1.00 for twenty (20) consecutive calendar days. This charge is in addition to any NSF fees you may incur as a result of items being presented against insufficient funds.

The best way to avoid unexpected fees is to always make sure that your Available Balance is sufficient to cover any transaction before you make it. BBVA Compass offers a variety of services (complimentary or fee-based) to provide you with useful tools, account accessibility and peace of mind. Please consult your account disclosure for complete details.

Processing Policies

Processing Policies

Posting OrderThe order in which withdrawals and deposits are processed

We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity.
Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit Hold PolicyWhen funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Non-Consumer Account Agreement for a detailed description of our policy).

Cash deposit with Teller or ATM: same business day as the day of deposit

Direct deposit or wire transfer: same business day as the day of deposit

Check deposit with Teller or ATM: same business day as the day of deposit

Remote Deposit Online: same business day as the day of deposit

If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit.

A "business day" is a non-holiday weekday. At branches, business days end at closing time and at ATMs business days end no earlier than 1 pm. Remote Deposit Online business days end at 8 pm CST.

Dispute Resolution

Dispute Resolution

Dispute Resolution Agreement

If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.

1This Fee is not triggered by checks issued through the bill pay service in Online or Mobile Banking.